Homeowners need to be informed when buying a homeowners insurance policy. So, in the event that storm damage occurs to your home, you know what your policy covers. Hail, tree and wind damage are common during severe storm events. These damages most commonly effect your home’s roof and gutter system, so be sure you have the roofing experts at Milledgeville Roofing Company take care of your home.
Luckily, most homeowners’ insurance policies typically cover wind damage and storm related damage. If a strong storm moves through with hail, wind-driven rain, or snow wrecking havoc on your home’s exterior, or gets inside a roof or wall, knowing your policy’s coverage can make a huge difference. Especially when moving forward with the repair work that is necessary. If you also have fallen trees that damage your home, tree removal service may be a part of the policy coverage too.
What damage should you be looking for? When large amounts of wind catch your roof just right, it can lift large piece of the roof off the roof deck. Often times, this pulls the fasteners away from securing your roof in place. When your fasteners are dislodged it leaves a small penetration entryway for water to seep into your roof. This creates water damage, condenses your insulation, and rots your wood. If you can see areas where fasteners have been dislodged or find them on the ground around your home, jot the information down. You then have a list to discuss with your roof inspector when they come to documented your insurance claim. Many times, different materials are layered together on a roof and “glued” together with an asphalt adhesive to create a waterproof layer. When wind confronts your roof, it can pull the layers apart and crack the adhesive’s seal. This can also create water seepage issues for your roof, and if not fixed provides, a perfect home for mold to grow rapidly. Look for areas on your roof where layers are missing or there are pieces of material dislodged from their original placement.
Wind and Hail Insurance: Insurance companies get flooded with calls after storms. They hear how much does insurance pay for hail damage often. When storm damage reports are high, contractor availability is low. Often times insurance companies are referring out contractors to do the claim work that aren’t niche in their respected industry.
However, as a homeowner you should know you have options. You can hire your own contractors for jobs like roofing, gutter systems, siding, etc. You should be able to speak with and choose the contractor that is best for your needs for all damages. Rather than letting someone else subcontract the jobs out. Addressing storm damage with a professional team should take on the same approach as any other hiring experience would. Work with competent, skilled, insured contractors.
Managing Damage with Your HOA: If you are going through your home owners insurance to repair storm damage, it may seem easier to hire a general contractor. But, doing this often takes away your right to choose who does the work. If your roof, gutters or other important exterior elements need storm repair, you’ll want to know who’s doing the repairs. You’ll want to go with a niche roofer, or niche gutter installer rather than a handy-man or sub contractor. Especially if you hired a specialized contractor the first time. You don’t want your repair to be of lesser quality.
Dealing with storm damage is overwhelming. But, you still want to make sure you are taking the time to hire right. Don’t let the urgent feeling lead to skipping the research phase. The Brothers that just do Gutters can help assist in repairing your storm damaged gutters. Our estimates are free and we are a niche company providing quality gutter services. Contact us when needed to schedule your free estimate!